Prescription drug insurance
Summary of costs
Public plan rates effective July 1, 2012
Certain persons insured under the public plan are entitled to free coverage. They are:
- holders of a claim slip (carnet de réclamation) Claim slip (carnet de réclamation)
The Ministère de l'Emploi et de la Solidarité sociale issues claim slips to recipients of last-resort financial assistance and, in certain conditions, to adults or families not receiving last-resort financial assistance benefits. Holders of claim slips can obtain certain drugs prescribed by a doctor and certain services, such as eye examinations and dental care. issued by the Ministère de l'Emploi et de la Solidarité sociale;
- persons age 65 or over who receive 94% to 100% Rate
Rate calculated according to the Act respecting prescription drug insurance. of the Guaranteed Income Supplement (GIS) GIS (Guaranteed Income Supplement)
The Guaranteed Income Supplement (GIS) is an amount added to the Old Age Security Pension (OASP) and is paid at the same time as that pension to certain persons age 65 or over. A person may receive the maximum GIS (100%), a partial GIS or no GIS (0%), depending on the family income. In each case, the contribution to the public plan differs.;
- children of persons insured under the public plan, if they are under age 18 or if they are between ages 18 and 25, are full-time students in an educational institution recognized by the Ministère de l'Éducation, du Loisir et du Sport, do not have a spouse, and live with their parents.
Here are the details of the rates for the other categories of insured persons:
Adults age 18 to 64 not eligible for a private plan
Persons age 65 or over – No GIS
|
| Rates in effect before July 1, 2012 and new rates as of that date |
| At the pharmacy |
When filing the income tax return |
Monthly deductible Deductible
The deductible is a fixed amount that constitutes the first portion of the costs that insured persons must pay when obtaining insured drugs. |
Co-insurance Co-insurance
The co-insurance is the percentage (or portion) of the drug costs that insured persons must pay once they have paid the deductible. In other words, when a person's drug costs exceed the deductible, the person pays only a portion of the remainder. This
portion is what is referred to as the co-insurance. |
Maximum monthly contribution Maximum monthly contribution
The maximum monthly contribution applies only to persons covered by the Public Prescription Drug Insurance Plan. It is the maximum monthly amount that a person covered by the public plan may be required to pay when purchasing insured drugs. |
Annual premium Premium
The premium is the amount that insured persons are required to pay to the Régie de l'assurance maladie du Québec or to a private insurer for their prescription drug insurance. |
|
| Before |
New rate |
Before |
New rate |
Before |
New rate |
Before |
New rate |
| $16 |
$16.25 |
32% |
32% |
$80.25 |
$82.66 |
From $0 to $563 |
From $0 to $579 |
Persons age 65 or over – 1% to 93% of GIS
|
| Rates in effect before July 1, 2012 and new rates as of that date |
| At the pharmacy |
When filing the income tax return |
Monthly deductible Deductible
The deductible is a fixed amount that constitutes the first portion of the costs that insured persons must pay when obtaining insured drugs. |
Co-insurance Co-insurance
The co-insurance is the percentage (or portion) of the drug costs that insured persons must pay once they have paid the deductible. In other words, when a person's drug costs exceed the deductible, the person pays only a portion of the remainder. This
portion is what is referred to as the co-insurance. |
Maximum monthly contribution Maximum monthly contribution
The maximum monthly contribution applies only to persons covered by the Public Prescription Drug Insurance Plan. It is the maximum monthly amount that a person covered by the public plan may be required to pay when purchasing insured drugs. |
Annual premium Premium
The premium is the amount that insured persons are required to pay to the Régie de l'assurance maladie du Québec or to a private insurer for their prescription drug insurance. |
|
| Before |
New rate |
Before |
New rate |
Before |
New rate |
Before |
New rate |
| $16 |
$16.25 |
32% |
32% |
$49.97 |
$50.97 |
From $0 to $563 |
From $0 to $579 |